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These guidelines explain the fees provisions, provide guidance on the kinds of costs and losses that can and cannot be recovered through fees, explain how we will assess whether a fee is lawful or unlawful, and describe our approach to enforcing the fees provisions.
This fact sheet explains what disclosure lenders must provide at the start of a consumer credit contract and how they must provide it.
This guidance focusses on the record keeping requirement for inquiries into whether a borrower is likely to make the payments under the agreement and guarantor is likely to comply with the guarantee without suffering substantial hardship.
This fact sheet provides an overview of the rules that apply to interest charges under a consumer credit contract. It explains a lender’s obligations when calculating and charging a borrower interest or default interest.
CCCFA transfer overview showing FMA taking responsibility from Commerce Commission with licensing and regulatory changes for lenders.
FMA Financial Conduct Report 2026 2027 outlines regulatory priorities risks enforcement and innovation shaping New Zealand financial markets
FMA Statement of Performance Expectations 2026 to 2027 outlining targets financial performance regulatory priorities and NZ market oversight.
MOU concerning consultation, cooperation and the exchange of information between the FMA and the Commerce Commission
FMA discussion paper reviewing New Zealand custody law outlining risks regulatory gaps and consulting stakeholders on asset safeguarding frameworks
Review of law and practices relating to custody of assets
Financial Markets Conduct (NZPHO (Holding) Limited) Exemption Notice 2026
This report provides information on the review of NZX undertaken for the period from 1 January to 31 December 2025 (referred to as the review period).
Cover page of FMA insurer benefits and campaigns guidance outlining CoFI expectations for fair consumer treatment and incentive governance
PDF guide outlining FMA consumer credit provider licence requirements in New Zealand including eligibility, licensing scope and application overview.
Financial Markets Conduct (IIF NZ Pty Limited) Exemption Notice 2026